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Credit UnionNot-for-profit cooperatives offer a full range of financial products and services to their members.Earnings are returned to members through services like free ATMs, better rates, and lower fees.Insured through NCUA up to $250,000.
Owners and members live and work in their local community. Credit unions are democratically governed and elections are based on a one-member, one-vote philosophy.

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BankFor-profit corporations offer a full range of financial products and servicesEarnings go to outside stockholders in the form of dividends.Insured by FDIC up to $250,000.Banks are governed by paid shareholders. Voting rights depend on the number of shares owned.